SBA/Commercial Loan Officer

Redwood-Credit-Union; Napa (CA); Vor Ort; USD 83.000 - 109.000; Vollzeit

Benefits dieser Stelle

Competitive medical, dental, vision

401(k) with employer match

PTO + paid holidays and birthday off

Employee discounts and benefits

Zusammenfassung

Redwood Credit Union is seeking an SBA/Commercial Loan Officer to implement our SBA lending program and originate loans in the marketplace. You will structure complex SBA packages, develop third-party relationships, and ensure credit quality with strong servicing and risk management.

The ideal candidate has extensive SBA experience, 5+ years in commercial lending, and a proven ability to grow loan portfolios in a community-based financial institution.

Qualifikationen

• Extensive knowledge of SBA loan programs (Express, 7(a), 504) and structuring commercial loans.
• Strong business development and lead generation skills; ability to originate SBA loans.
• Current knowledge of laws, rules and regulations pertaining to business lending and compliance.
• Excellent credit skills and ability to analyze complex credits independently.
• Willingness to travel up to 20% and work rotating Saturdays as needed.

Aufgaben

• Develop a referral network for SBA loans with brokers, CPAs, lawyers, and small businesses.
• Structure complex SBA loan packages and proposals; develop third-party relationships with CDCs.
• Recommend loan-pricing strategies to meet ROE targets while growing business loans.
• Monitor credit compliance and resolve documentation, collateral, and past due issues.
• Cross-sell Redwood Credit Union products and services; participate in Credit Committee.

Kenntnisse

SBA lending experience

Business development

Credit analysis

Communication

Ausbildung

Bachelor's degree in business or finance

Tools

Word processing

Spreadsheet

Presentation software

Intranet/Internet access

Jobbeschreibung

Redwood Credit Union is seeking an SBA/Commercial Loan Officer, who will be responsible for implementing the SBA business lending program for Redwood Credit Union, including developing strategies to originate loans in the marketplace and originating and closing SBA loans using broad discretion on assignments of a varied, diverse and complex nature. Emphasis is on providing excellent Member service and profitable business services growth while minimizing loan-loss exposure through high credit quality.

Key Responsibilities

Small Business Administration Lending

• Develop an ongoing referral network for potential SBA loans with commercial real estate brokers, business brokers, small businesses, professional associations, accountants and lawyers.
• Structure complex SBA loan packages and proposals.
• Initiate and enhance third party relationships with Certified Development Companies.
• Recommend loan-pricing strategies that will meet or exceed return on equity targets while providing solid growth in business loans.
• Monitor credit compliance and resolve documentation, collateral, and past due exceptions to ensure credit quality and data integrity.
• Ensure compliance with pertinent government rules and regulations.
• Develop and present SBA loan seminars and trainings.
• Act as a primary liaison with Members and business partners.
• Proactively ensure Member satisfaction throughout the credit management process, including credit servicing and problem resolution.
• Ensure timely follow-up of loan monitoring activity to facilitate sound credit portfolios.
• Cross-sell RCU products and services to enhance Member relationships.

Other Functions

• Compose and generate credit and lending reports as necessary.
• Participate in Credit Committee as required.

Join us and discover why you'll love working at Redwood Credit Union!

ABOUT REDWOOD CREDIT UNION (RCU):

At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.

Why work for Redwood Credit Union?

• 21st largest credit union in the U.S. and the largest financial institution based in the North Bay
• Recognized by Newsweek as one of "America's Best Credit Unions 2026"
• Awarded a 5-Star Bauer Rating
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2026"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the North Bay 21 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
• Industry leading Net Promoter Scores across the U.S.

Minimum Qualification: Knowledge, Skills and Abilities

• Extensive knowledge of SBA loan programs- Express, 7(a) and 504 and proficiency in structuring commercial loans.
• Strong business development and lead generation skills and ability to originate SBA loans in the marketplace and ability to develop and cultivate a positive working relationship with the SBA.
• Current knowledge of all laws, rules and regulations pertaining to business lending and compliance.
• Thorough knowledge of all aspects of financial institution business services including lending methods, practices and services.
• Excellent credit skills to further new business development goals of the RCU.
• Knowledge of asset, liabilities, and credit dynamics in a business services lending environment.
• Ability to thoroughly analyze and make recommendations for simple and complex credits and/or credit relationships on an independent basis and demonstrate solid decision-making abilities.
• Excellent interpersonal, leadership, Member relationship, negotiation and communication skills.
• Skill in the operation of a personal computer and word processing, spreadsheet and presentation software and Intra/Internet access.
• Ability to travel 20% of time.
• Ability to work a rotating schedule which will include working on rotating Saturdays.

The ideal candidate has a combination of education and experience equivalent to a bachelor's degree in business administration, finance or a closely related field, and five years progressively responsible experience in SBA business lending.

Compensation: Base starting range: $82,621 to $108,863 annually commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

• Competitive medical, dental, and vision insurance, mental health offerings
• Employee performance incentive plan
• Salary Advancement– Merit increase based on performance
• 401(k) program with employer match
• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks:

• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
• RCU employees are eligible for a 1% discount on all recreational or boat loan products
• 2% discount off Visas and LOC Loans through RCU
• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
• 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
• 0% interest on garment, fitness, or home office equipment loan of up to $500
• 100% financing for employee purchased homes!

Physical Requirements:

• Ability to stand, bend, stoop, sit, walk, twist, and turn.
• Ability to lift up to 15 pounds.
• Ability to use a computer keyboard and calculator.
• Work environment is indoors; majority of the time is spent sitting at a desk.

*Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.

We are an Equal Opportunity Employer